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Capital One card holders...

Frequent Contributor

Capital One card holders...

Earlier I was revieweing my reward programs with Capital One. I already knew my Visa offers 1% cash back on all purchases with a 25% annual bonus, but I just found out that my MasterCard offers 2% back on gas and groceries and 1% back on everything else.

 

Does anyone else have a Capital One card like this? I haven't used the card in months; it's been sock drawered because I thought it had no benefit over my other cards.

Message 1 of 10
9 REPLIES
Established Contributor

Re: Capital One card holders...

what's the name of the card?
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Message 2 of 10
Super Contributor

Re: Capital One card holders...

I believe that card no longer exists Smiley Tongue 

Message 3 of 10
Frequent Contributor

Re: Capital One card holders...


Jlu wrote:
what's the name of the card?

Shows up on my account as Platinum MasterCard. It's a No-Hassle Cash rewards card. IIRC it had a 9-month 0% intro APR that is now 19.8%, and it had a $39 annual fee which I have since had permanently removed.

 


 

EDIT: It was also a Credit Steps card. Opened at $500, went up to $750.

Message 4 of 10
Valued Member

Re: Capital One card holders...


SwampSystems wrote:

Jlu wrote:
what's the name of the card?

Shows up on my account as Platinum MasterCard. It's a No-Hassle Cash rewards card. IIRC it had a 9-month 0% intro APR that is now 19.8%, and it had a $39 annual fee which I have since had permanently removed.

 


 

EDIT: It was also a Credit Steps card. Opened at $500, went up to $750.


I have this card as well. I got it in May 2011 with a $1000 limit, and it "credit stepped" up to $1500 in November of 2011.  I also have a $39 annual fee, which they reimbursed me this past May after it was charged.  I have no real complaint about the card.  I use it quite heavily and PIF before the statement cuts.    Last year I redeemed just over $200 as credit statements.  My last redemption was in April, and so far I've earned about $52 since then.   Maybe ten years from now I'll be one of the lucky ones who gets an auto CLI...LOL


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Message 5 of 10
Established Member

Re: Capital One card holders...

 


SwampSystems wrote:

Jlu wrote:
what's the name of the card?

Shows up on my account as Platinum MasterCard. It's a No-Hassle Cash rewards card. IIRC it had a 9-month 0% intro APR that is now 19.8%, and it had a $39 annual fee which I have since had permanently removed.

 


 

EDIT: It was also a Credit Steps card. Opened at $500, went up to $750.


Did that new cash rewards card that Capital One came out with replace that card? I'm curious, and it sounds similiar (since I applied for it and I'm waiting for it to be sent to me since I've never had credit before!)  

Message 6 of 10
Super Contributor

Re: Capital One card holders...


Schadenfreude wrote:

 


SwampSystems wrote:

Jlu wrote:
what's the name of the card?

Shows up on my account as Platinum MasterCard. It's a No-Hassle Cash rewards card. IIRC it had a 9-month 0% intro APR that is now 19.8%, and it had a $39 annual fee which I have since had permanently removed.

 


 

EDIT: It was also a Credit Steps card. Opened at $500, went up to $750.


Did that new cash rewards card that Capital One came out with replace that card? I'm curious, and it sounds similiar (since I applied for it and I'm waiting for it to be sent to me since I've never had credit before!)  


Seems like it. We get 1% on everything (plus 50% bonus (so effectively 1.5% on everything) which is pretty decent. 

Message 7 of 10
Established Member

Re: Capital One card holders...


jsucool76 wrote:

Schadenfreude wrote:

 


SwampSystems wrote:

Jlu wrote:
what's the name of the card?

Shows up on my account as Platinum MasterCard. It's a No-Hassle Cash rewards card. IIRC it had a 9-month 0% intro APR that is now 19.8%, and it had a $39 annual fee which I have since had permanently removed.

 


 

EDIT: It was also a Credit Steps card. Opened at $500, went up to $750.


Did that new cash rewards card that Capital One came out with replace that card? I'm curious, and it sounds similiar (since I applied for it and I'm waiting for it to be sent to me since I've never had credit before!)  


Seems like it. We get 1% on everything (plus 50% bonus (so effectively 1.5% on everything) which is pretty decent. 


The acceptance letter they sent me said that it's a 50% bonus once a year; is it every year in December, or once a year on the date when you activated the card?

Message 8 of 10
Super Contributor

Re: Capital One card holders...


Schadenfreude wrote:

jsucool76 wrote:

Schadenfreude wrote:

 


SwampSystems wrote:

Jlu wrote:
what's the name of the card?

Shows up on my account as Platinum MasterCard. It's a No-Hassle Cash rewards card. IIRC it had a 9-month 0% intro APR that is now 19.8%, and it had a $39 annual fee which I have since had permanently removed.

 


 

EDIT: It was also a Credit Steps card. Opened at $500, went up to $750.


Did that new cash rewards card that Capital One came out with replace that card? I'm curious, and it sounds similiar (since I applied for it and I'm waiting for it to be sent to me since I've never had credit before!)  


Seems like it. We get 1% on everything (plus 50% bonus (so effectively 1.5% on everything) which is pretty decent. 


The acceptance letter they sent me said that it's a 50% bonus once a year; is it every year in December, or once a year on the date when you activated the card?


You get it on every anniversary of the card Smiley Tongue So once a year from the date you activated. 

Message 9 of 10
Highlighted
Established Member

Re: Capital One card holders...


jsucool76 wrote:

Schadenfreude wrote:

jsucool76 wrote:

Schadenfreude wrote:

 


SwampSystems wrote:

Jlu wrote:
what's the name of the card?

Shows up on my account as Platinum MasterCard. It's a No-Hassle Cash rewards card. IIRC it had a 9-month 0% intro APR that is now 19.8%, and it had a $39 annual fee which I have since had permanently removed.

 


 

EDIT: It was also a Credit Steps card. Opened at $500, went up to $750.


Did that new cash rewards card that Capital One came out with replace that card? I'm curious, and it sounds similiar (since I applied for it and I'm waiting for it to be sent to me since I've never had credit before!)  


Seems like it. We get 1% on everything (plus 50% bonus (so effectively 1.5% on everything) which is pretty decent. 


The acceptance letter they sent me said that it's a 50% bonus once a year; is it every year in December, or once a year on the date when you activated the card?


You get it on every anniversary of the card Smiley Tongue So once a year from the date you activated. 


Good to know, I'll have to mark that date on the calendar in my phone whenever I receive the card & activate it! Thanks!

Message 10 of 10